Privacy Policy

Purpose of this notice

At RA Insurance Advisors, we recognize that privacy and security of personal information is a concern to our customers. We have taken care in establishing and implementing policies and procedures to protect this information.
Furthermore, we wish to inform you that we do not share your personal information with any non-affiliated third parties for any purpose that is not specifically authorized by law unless we obtain your affirmative permission.
Whether you’re doing business with us through an agent, broker, or our Website, we will always respect your privacy and protect your information.

We do not sell your customer information. Never have. Never will.
We do not share, loan or give customer information to persons, companies, or organizations outside of RA Insurance Advisors and its affiliates that would use that information to contact you about their own products and services.
We expect persons or organizations that provide services on our behalf to keep customer information confidential and to use it only to provide the services we’ve asked them to perform.
Within RA Insurance Advisors, we communicate regarding the need to protect your information to those individuals who may have access to it, and we’ve established physical, electronic, and procedural safeguards to protect customer information.

Thank you for your interest in http://www.rainsuranceadvisors.com (the “Website”), which is owned, operated and controlled by RA Insurance Advisors (Collectively, “RA Insurance Advisors,” “we,” “our”, or “us”).

We respect our users’ (“users”, “you” or “your”) privacy. This Privacy Policy applies to all users of the Website. We want to share with you how information we receive or collect from you via the Website is processed, disclosed, and used. By using the Website, you acknowledge your consent to this Privacy Policy. If you do not agree with the terms, do not use the Website.

The Website is the corporate site of RA Insurance Advisors. Consequently, this Privacy Policy applies to activities on this site only and not to any other websites that are owned and operated by RA Insurance Advisors. To the extent you go to these other websites and participate in the activities on them, you are urged to review the privacy policies that apply.

Privacy policy statement

As a part of our normal operations we collect, and in some cases, disclose information about you. We encourage you to read the following Privacy Statement that contains information about RA Insurance Advisors policies regarding the collection, use, disclosure, and protection of your information.

What information do we collect? How is it used?

Personal Information

We collect Personally Identifiable Information in order to provide you with services tailored to your particular needs. By learning about you, RA Insurance Advisors can deliver more relevant protection and product offerings and thus offer you better insurance services and options.

Please be assured that we do not collect any Personal Information from you, unless you provide it to us voluntarily. The information you submit to us via our on-line forms and e-mail is used to provide you with the response or service you have requested. You may be asked to provide information such as:

Non-personal Information

We may automatically collect certain non-personal information about your use of the Website whenever you access the Website. We might collect, among other things, information concerning the type of Internet browser or computer operating system you are using, the domain name of your Internet service provider, your “click path” through the Website, the third-party web sites or advertisements linked to or from, and the Website(s) that you visited. To do this, we may use cookies, clear gifs, frames, server log analysis and other technology. When you use or visit the Website, our servers log your IP address. We shall collect IP addresses for the purposes of providing our services, including, without limitation, system administration, troubleshooting, user compliance with any applicable terms of service, investigating security breaches, and compiling non-personal information such as how many visitors logged on to the Website.

Who has access to this information?

In order to better serve your particular needs, RA Insurance Advisors, its employees, and certain companies working onRA Insurance Advisors’s behalf have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of RA Insurance Advisors, its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insureds listed on the policy).

In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any.

How do we use and share the information that we collect?

All Information that we collect is stored and used to meet your requests and our legitimate business objectives in accordance with this Privacy Policy. Except as set forth in this Privacy Policy, we do not trade, share, rent, sell or give away information concerning you to third parties. As a general rule, RA Insurance Advisors uses Information for the purpose of contacting and communicating with you about information you have provided to us.

We may disclose your Information or otherwise use such information to communicate with you if required or permitted to do so by law or in the good-faith belief that such action is necessary to: (i) conform to legal requirements or comply with legal process or any governmental request; (ii) protect and defend the rights or property of RA Insurance Advisors or its affiliated companies and clients; (iii) enforce the Website terms of service or any applicable agreements; or (iv) protect the personal safety or interests of RA Insurance Advisors’s employees, other users of the Website, or members of the public in urgent circumstances. We may also disclose any of your information to law enforcement or other appropriate third parties in connection with criminal investigations, investigation of fraud, infringement of intellectual property rights, or other suspected illegal activities, or as otherwise may be required by applicable law, or, as we deem necessary in our sole discretion, in order to protect the legitimate legal and business interests of RA Insurance Advisors.

What are your options regarding collection, use, and distribution of your information?

Any information you submit to us via written applications, our Web site’s on-line forms or e-mail is done so on a voluntary basis. When you access our site in this manner, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information.

Links and Co-branded sites

This Web site contains links to other sites. RA Insurance Advisors provides links to other sites as a convenience to persons who visit the RA Insurance Advisors web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with RA Insurance Advisors). Please be aware that RA Insurance Advisors is not responsible for the privacy practices of those sites, even though RA Insurance Advisors name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the Privacy Statements of each and every Web site that you visit, as the privacy policy of those sites may differ from ours.

Third-party websites and advertisements

Third-party websites and advertisements with links to and from the Website may collect Information about users. You should be aware that these third-party websites have their own information collection practices and privacy policies. If you click on a third-party advertisement or link, the privacy policies of the third-party web site that you link to will govern the collection and use of your information by that web site’s operator. This Privacy Policy does not extend to these third-party web sites and advertisements. Please refer directly to these third-party web sites regarding their privacy policies. We assume no responsibility or liability for the actions of such third parties with respect to their use of your information or otherwise. Accordingly, please make sure you are aware of and comfortable with the privacy policies of any third-party web sites to which you follow a link. Also, we do not control cookies in third-party advertisements, and users are encouraged to check the privacy policies of advertisers and/or ad services to learn about their use of cookies and other technology. We also do not endorse the third party websites or any products or services advertised, offered and/or sold by, through or in connection with the third party websites.

Cookies

The Website may contain “cookies.” Cookies are bits of electronic information stored on a user’s hard drive to provide information needed by the user on a regular basis. They are often used to save website customizations and website login information. Clear gifs (also known as “web beacons”) assist in the delivery of cookies.

Currently, cookies are utilized with respect to your use of the Website within the following two primary categories: (1) performance cookies so that traffic patterns and users on the Website may be measured and optimized; and (2) user cookies so that user information may be recorded so as to enhance performance and user experience on the Website.

You can opt-out from the setting of such cookies by changing your settings within your browser. Furthermore you can set-up your browser so that the browser is asking you each time before a cookie is dropped on your device. Also you can delete all you cookies on your device within you browser. You can find all information about cookies, browser settings and cookie deletion on http://www.allaboutcookies.org/.

In addition, from time to time, tracking mechanisms such as cookies or web beacons may be used by third party content that you may choose to view while being on the Website. You should review the privacy policies of the websites serving this content, as they may allow for the gathering of information to serve advertising on multiple third party websites over which RA Insurance Advisors has no control. Please consult the privacy policies of such third party websites for more information.

Data security & integrity

RA Insurance Advisors is committed to protecting the security and integrity of all Information collected by, or disclosed to, RA Insurance Advisors and takes appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of such Information. We also restrict access to Information to our employees and agents who need to know that information in order to operate, develop, or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations. We take reasonable steps to ensure that the Information we process is accurate, complete, and current, but we depend on our users to update or correct their information whenever necessary.

Enforcement

RA Insurance Advisors is committed to working with individuals to obtain a fair resolution to any complaints or disputes about privacy. Any complaints or concerns about this Privacy Policy (or any updates you wish to provide relative to your Information) should be sent via regular mail, postage prepaid, addressed to the mailing address provided at the bottom of this Website.

Change of control

In the event that another company acquires all or substantially all of the assets related to the Website, or if we experience some other change of control event such as merger, insolvency, bankruptcy or receivership, we reserve the right to include any or all Information among the assets transferred to the acquiring company. RA Insurance Advisors will require the surviving entity in the case of a merger, or the acquiring entity in the case of an acquisition or sale, to agree in writing to protect and maintain the security and integrity of the transferred Information in accordance with the applicable laws. We do not guarantee that any entity receiving such information in connection with any of these transactions will comply with all the terms of this policy.

Changes to the policy

RA Insurance Advisors hereby reserves the right to make changes to this Privacy Policy from time to time. Should any changes be made, RA Insurance Advisors will post such changes on the Website for you to review on a regular basis.